Understanding Storage Unit Insurance
What's covered, what's not, and whether you need additional protection for your stored belongings.
Insurance is one of those topics people don't think about until they need it. When you rent a storage unit, understanding what's covered — and what isn't — helps you make informed decisions about protecting your belongings.
What's Included at Beech Street Storage
Every unit rental at Beech Street Storage includes $2,500 worth of insurance coverage in the monthly rate. This provides basic protection for your stored items against covered events.
What Insurance Typically Covers
Storage unit insurance generally protects against:
- Fire and smoke damage
- Water damage from burst pipes or roof leaks
- Theft (with evidence of forced entry)
- Vandalism
What It May Not Cover
Be aware of common exclusions:
- Flood damage — most policies exclude flooding
- Mould and mildew — often excluded, especially if caused by improper packing
- Pest damage — rodents and insects are typically not covered
- Items stored improperly — perishable goods, hazardous materials, and illegal items
Do You Need Additional Coverage?
Consider extra insurance if you're storing:
- High-value furniture or antiques
- Electronics and appliances
- Business inventory worth more than $2,500
- Collectibles or artwork
Check with your home insurance provider first — many homeowner policies extend some coverage to items in storage. If not, ask us about additional coverage options.
Document Your Belongings
Take photos and keep receipts for valuable items before moving them into storage. An inventory list makes any future claim much easier to process.
Have questions about coverage? Our on-site staff are happy to walk you through what's included with your rental.